Guillermo Viladot is a Series 66-licensed financial advisor at Citigroup Global Markets with eight years of industry experience. His prior roles include positions at JP Morgan Securities LLC and Morgan Stanley. He also has entrepreneurial experience from his time at Wizzered Inc. and Appraisal MC LLC. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment strategies through both discretionary and non-discretionary programs, supported by internal standards and oversight committees. The firm combines large institutional scale with unique market roles, including swap dealer and futures commission merchant activities.

Kristin Hovmiller is a financial advisor with Principal Financial Services and holds Series 63 and Series 66 credentials, with 24 years of industry experience. She has been with Principal Financial Services and Principal Life Insurance Company since 2001. Kristin also serves as a bank/trust officer to support and manage Principal retirement plan account relationships across insurance, broker-dealer, and bank/trust offerings. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions through direct advisory programs.

Yolanda Colon is a financial advisor at Eagle Strategies (NY Life) with nine years of industry experience. She holds Series 66, Series 63, and Series 65 licenses and previously worked for Crisil Coalition Greenwich for 18 years. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers a variety of program types, emphasizing tailored recommendations and managing a majority of assets on a non-discretionary basis.

Jonathan Rosenbaum is a financial advisor with Primerica Advisors based in Brooklyn, NY. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. His career includes roles at Park Avenue Securities and Guardian Life Insurance Company. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a range of investment strategies through proprietary and third-party portfolios, and supports various financial planning and consulting solutions.

Patrick Schuchard is a CFA® charterholder with 16 years of industry experience. He has been with Oppenheimer since 2011. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, charitable organizations, and retirement plan fiduciaries. The firm provides a range of advisory and brokerage services, employing strategic and tactical asset allocation alongside manager selection and various investment strategies.

Carol Mccann is a financial advisor at Oppenheimer with 30 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Oppenheimer since 2017. Her prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Oppenheimer serves a broad client base including individuals, corporations, pension and profit-sharing plans, charitable organizations, and retirement plan fiduciaries. The firm offers a range of advisory and brokerage services, employing strategic and tactical asset allocation along with manager selection across various investment vehicles.

Anthony Cheng is a financial advisor at Citigroup Global Markets with eight years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Citigroup in 2017, he worked briefly at Anchor Management Consultants and spent time at Princeton University, following six years of full-time education. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and manages both discretionary and non-discretionary programs, leveraging its large institutional scale and unique market roles.

Thomas Zirbes is a financial advisor with TLG Advisors, Inc. based in Summit, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at firms such as CRI Securities, North Star Consultants, Park Avenue Securities, and Guardian Life Insurance Company. He is also head of sales at White Swan, a life insurance and sales marketing business. TLG Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, trusts, charitable organizations, corporations, and institutional investors. The firm focuses on investment supervisory services, portfolio management, and fiduciary services, employing manager selection and fundamental analysis within a Modern Portfolio Theory framework to construct diversified portfolios.

Francesca Viejo Jaramillo is a financial advisor with Citigroup Global Markets, holding a Series 66 designation and two years of industry experience. She has worked at Citigroup since 2023 and previously spent time in educational roles at the University of Michigan and Marymount School of New York. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies with both discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Daniel Criscuolo is a CFP® professional at Wealth Enhancement Advisory Services, LLC with four years of industry experience. He has worked at firms including LPL Financial LLC and Raymond James Financial Services prior to joining Wealth Enhancement Advisory Services. Criscuolo’s background also includes roles outside finance, such as employment with Buffalo Wild Wings and involvement in apparel retail. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and managed account referrals for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and uses a diversified, risk-class based investment approach that combines passive and active management with quantitative, momentum, and fundamental analysis.

Kevin Johnson is a financial advisor at Citigroup Global Markets with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Citigroup Global Markets since 2017, following four years at JP Morgan Securities LLC. Based in New York, NY, his career spans significant roles at major financial institutions. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs, execution, and custody services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs and combines large institutional scale with unique market roles such as operating as a swap dealer and futures commission merchant.

Albert Bergmann Sr. is a financial advisor with OSAIC Institutions, Inc. who holds Series 63 and Series 65 licenses and has 29 years of industry experience. He has served as a financial consultant and program manager at Ridgewood Savings Bank since 2016. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer model.

Daniel Gardner is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 licenses and six years of industry experience. He has previously worked at Empower Financial Services, Ally Invest Advisors, and Fidelity Brokerages Services LLC, among other firms. Gardner is based in New York, NY. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, combining large institutional scale with specialized market roles such as acting as a security-based swap dealer and futures commission merchant.

Robert Althoff is a financial advisor with HSBC Securities (USA) Inc. in Brooklyn, NY, holding Series 66 and Series 63 credentials and 20 years of industry experience. He has worked at HSBC Securities and HSBC Bank USA since 2007. Outside of his advisory role, he is the President of Long Drive Appraisals Corp., a company that appraises vehicle damage following accidents. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm uses a range of model risk profiles and combines strategic and tactical asset allocation with global fund due diligence, providing both client-directed and discretionary portfolio options.

Ari Wald is a CFA® charterholder with 20 years of industry experience and has been with Oppenheimer since 2014. He serves as Head of Technical Analysis at the firm and is applying for a board position at the CMT Association, a nonprofit focused on technical analysis education and practice, where he has been involved for over a decade. Oppenheimer serves a diverse client base including individuals, corporations, pension plans, and charitable organizations, offering advisory and brokerage services such as investment management, consulting, and financial planning. The firm employs strategic and tactical asset allocation, manager selection, and a variety of investment strategies, with a distinct approach that includes both discretionary and non-discretionary management and roles as a qualified custodian.

Dennis Mclaughlin is a financial advisor at Citigroup Global Markets with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at CitiGroup since 2018, following eight years at Wells Fargo Advisors LLC. Based in New York, NY, he is part of a large team of advisors servicing diverse client needs. Citigroup Global Markets Inc. serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and maintains unique market roles, including in-house research and acting as a security-based swap dealer and futures commission merchant.

Evan Pollack is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and eight years of industry experience. He has worked at firms including Penn Mutual Life Insurance Company, Park Avenue Securities, Guardian Life Insurance Company, and Trillium Management. Outside of his advisory role, Pollack owns A & E Machines LLC, a service business focused on short-term rental of heavy machinery assets. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services with a broad network of advisers and third-party asset manager relationships, managing over $8 billion in discretionary assets.

Mahanoor Hussain is a financial advisor at Citigroup Global Markets with two years of industry experience. She holds the Series 66 designation and has worked at Citigroup since 2023, with previous roles including positions at Deutsche Bank and the University of Miami. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with specialized market roles such as swap dealing and futures commission merchant operations.

John Aiello is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has worked at various HSBC entities since 2011, including HSBC Bank USA, National Association, and HSBC Securities USA, Inc. Outside of his advisory role, Aiello is the owner of investment properties and manages an LLC focused on future property acquisitions. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and discretionary options. The firm’s investment approach incorporates model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, serving a broad client base through multiple program types.

Lauren Palacio is a Series 66-licensed financial advisor with 17 years of industry experience. She has worked at Goldman Sachs & Co. LLC since 2015, holding various roles within the firm over that time. Goldman Sachs Wealth Services advises a diverse client base ranging from individual investors to institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm employs strategic allocation models and a range of implementation methods, leveraging tools such as tax-aware techniques and AI-driven analytics, while integrating capabilities across the broader Goldman Sachs organization.